Best Medicare Advantage Plans in California (2027)


Best Medicare Advantage Companies in California

Clever Care Health Plan is the best Medicare Advantage company in California for 2027, with a 4.5-star median CMS rating and the lowest median maximum annual cost exposure at $1,249. SCAN Health Plan ranks second, offering 44 plans across 20 counties with a 4.0-star median CMS rating and $2,000 in median cost exposure.

Imperial Health Plan ranks third and serves the most counties among the top insurers at 51, with a median cost exposure of $1,647. Kaiser Permanente has the most plans after SCAN at 31, ties Clever Care for the highest median CMS rating at 4.5 stars and serves 31 counties, though its $5,076 median cost exposure is the highest among the companies reviewed.

Clever Care Health Plan
4.5
$1,249
4.5
5
2
SCAN Health Plan
4.4
$2,000

4.0

20
44
Imperial Health Plan of California, Inc.
4.3
$1,647

4.0

51
2
Astiva Health
4.3
$2,500

4.0

6
3
Alignment Health Plan
4.2
$3,150
3.5
25
34
Blue Shield of California
4.2
$2,540

4.0

16
19
Humana
4.1
$3,710

4.0

26
27
Kaiser Permanente
4.1
$5,076
4.5
31
31
Aetna Medicare

4.0

$2,000

3.0

13
21

California Medicare Advantage Market Overview

California has 257 non-SNP Medicare Advantage plans from 19 carriers across 28 CMS contracts for 2027. Despite the large statewide selection, the median county has just five plans available. About 73% of plans have $0 monthly premiums beyond Medicare Part B, though out-of-pocket costs vary widely.

The median maximum out-of-pocket (MOOP) limit is $2,900, with limits ranging from $199 to $9,850. Plan quality also varies, with an average CMS rating of 3.69 out of 5 stars and only 36% of rated contracts earning 4 stars or higher. These differences make it important to compare costs, provider networks and quality ratings among plans available in your county.

Non-SNP Medicare Advantage plans
257
There are many plans statewide, but availability varies greatly by county.
Carriers
19
Insurers differ in provider networks, costs and supplemental benefits.
CMS contracts
28
Plans under the same insurer may have different CMS quality ratings.
Median plans per county
5
Despite the large statewide market, many counties have relatively few options.
Plans with a $0 premium
73%
Most plans have no additional premium beyond Medicare Part B, but medical cost sharing still applies.
Median max out-of-pocket (MOOP)
$2,900
Half of plans have in-network spending limits at or below this amount.
MOOP range
$199–$9,850
Annual spending limits differ by up to $9,651, so MOOP limit is an important comparison factor.
Average CMS star rating
3.69 out of 5
Average plan quality falls below the 4-star benchmark.
Contracts rated 4+ stars
36%
Just over one-third of rated contracts meet the 4-star quality benchmark.
Clever Care Health Plan

Clever Care Health Plan

MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.4/5Quality & Member Experience
3.9/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $1,249
  • Median CMS Star Rating

    4.5
  • Counties Served

    5
  • Plans Available

    2
SCAN Health Plan

SCAN Health Plan

MoneyGeek Rating
4.4/ 5
4.7/5Affordability
4.2/5Quality & Member Experience
4/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $2,000
  • Median CMS Star Rating

    4.0
  • Counties Served

    20
  • Plans Available

    44
Imperial Health Plan

Imperial Health Plan

MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Quality & Member Experience
4.2/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $1,647
  • Median CMS Star Rating

    4.0
  • Counties Served

    51
  • Plans Available

    2
Astiva Health

Astiva Health

MoneyGeek Rating
4.3/ 5
4.6/5Affordability
4.2/5Quality & Member Experience
3.7/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $2,500
  • Median CMS Star Rating

    4.0
  • Counties Served

    6
  • Plans Available

    3
Alignment Health Plan

Alignment Health Plan

MoneyGeek Rating
4.2/ 5
4.5/5Affordability
3.9/5Quality & Member Experience
4.1/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $3,150
  • Median CMS Star Rating

    3.5
  • Counties Served

    25
  • Plans Available

    34
Blue Shield of California

Blue Shield of California

MoneyGeek Rating
4.2/ 5
4.5/5Affordability
4.2/5Quality & Member Experience
3.8/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $2,540
  • Median CMS Star Rating

    4.0
  • Counties Served

    16
  • Plans Available

    19
Humana

Humana

MoneyGeek Rating
4.1/ 5
4/5Affordability
4.1/5Quality & Member Experience
4.1/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $3,710
  • Median CMS Star Rating

    4.0
  • Counties Served

    26
  • Plans Available

    27
Kaiser Permanente

Kaiser Permanente

MoneyGeek Rating
4.1/ 5
3.8/5Affordability
4.5/5Quality & Member Experience
3.9/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $5,076
  • Median CMS Star Rating

    4.5
  • Counties Served

    31
  • Plans Available

    31
Aetna Medicare

Aetna Medicare

MoneyGeek Rating
4/ 5
4.5/5Affordability
3.5/5Quality & Member Experience
4/5Benefits & Availability
  • Median Max Annual Cost Exposure

    $2,000
  • Median CMS Star Rating

    3.0
  • Counties Served

    13
  • Plans Available

    21

How to Choose the Best California Medicare Advantage Plan

Choosing the best Medicare Advantage plan in California means weighing cost, coverage and network against your specific health needs. The right plan depends on the doctors you see, the drugs you take and how much you're willing to pay out of pocket each year.

  1. 1
    Compare premiums and out-of-pocket costs

    A $0 premium plan isn't always the cheapest option. Look at deductibles, out-of-pocket maximums and copays to understand your true yearly cost before enrolling.

  2. 2
    Check whether your doctors are in-network

    HMO plans require you to use in-network providers except in emergencies. Before you enroll, confirm your primary care physician and any specialists accept the plan you're considering. PPO plans cover out-of-network care, while HMO-POS plans cover certain out-of-network services at a higher cost.

  3. 3
    Review the Part D drug formulary

    Most Medicare Advantage plans bundle prescription drug coverage. Check that your current medications appear on the plan's formulary at a tier that keeps your costs manageable.

  4. 4
    Look for extra benefits that match your needs

    Many California Medicare Advantage plans include dental, vision and hearing coverage that Original Medicare doesn't. If you use these services regularly, a plan with strong supplemental benefits can offset a higher premium.

  5. 5
    Compare CMS star ratings

    The Centers for Medicare & Medicaid Services (CMS) rates plans on a 1 to 5 star scale based on quality and member satisfaction. Plans rated 4 stars or higher tend to deliver better care coordination, but a high-rated plan with a narrow network may still be the wrong fit.

  6. 6
    Confirm coverage in your area

    Medicare Advantage plans vary by county in California. A plan available in Los Angeles may not be available in Sacramento or San Diego, so always check availability using your zip code.

How Much Does Medicare Advantage Cost in California?

The median Medicare Advantage premium in California is $0 across HMO, HMO-POS and PPO plans, but out-of-pocket costs vary by plan type. HMOs have the lowest median maximum out-of-pocket (MOOP) limit at $2,625, compared with $2,900 for HMO-POS plans and $6,150 for PPOs. HMOs also have the lowest median inpatient copay at $198, compared with $300 for HMO-POS plans and $350 for PPOs. Median primary care and specialist copays are $0 for HMOs, while PPOs have the highest at $15 and $40, respectively.

HMO
$0
$2,625
$198
$0
$0
HMO-POS
$0
$2,900
$300
$0
$10
PPO
$0
$6,150
$350
$15
$40

California Medicare Advantage Resources

Use these California state and federal resources to compare Medicare Advantage plans, get free counseling and resolve coverage or enrollment issues.

Compare Medicare Advantage Rates

Get the best insurance rate. Compare quotes from top insurance companies.

Frequently Asked Questions

Our Methodology

MoneyGeek evaluated California Medicare Advantage companies using five CMS data sources for the 2027 plan year, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.

How We Score Carriers

Each carrier in the state receives an overall MoneyGeek score out of five from a weighted average of three category scores:

  • Affordability (40%): Maximum annual cost exposure, calculated as annual premiums plus the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
  • Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS C26 member ratings make up 40%. Both are measured at the contract level.
  • Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, make up 50% of this category. County coverage makes up 30% and plan choice per county makes up 20%.

About Patrick Bryant


Patrick Bryant, Vertical Lead, Life & Health Insurance, MoneyGeek

Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.